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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,396 | $83,898-29.2% | $133,346-55.5% | $94,015-36.8% |
| Participation rate | 67.7% | 63.4%+4.3pp | 72.8%-5.2pp | 70.8%-3.1pp |
| Annual return | 19.54% | 16.00%+3.5pp | 36.85%-17.3pp | 17.84%+1.7pp |
| Employer contribution / active EE | $787 | $1,821-56.8% | $2,853-72.4% | $2,790-71.8% |
| Participant deferral / active EE | $3,744 | $3,245+15.4% | $4,332-13.6% | $4,249-11.9% |
| Admin fee / account holder | $1,115 | $7,809-85.7% | $14,264-92.2% | $8,951-87.5% |